Montgomery County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montgomery County, North Carolina? DLRadar grades every Montgomery County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Montgomery County breakdown.
- Montgomery County's most distressed ZIP is 27341 at 30/100.
- 9 ZIP codes tracked in Montgomery County, averaging 23/100 distress.
- Montgomery County reads peak — home values up 2.8% year over year.
- Vacancy runs 23.1% across Montgomery County's tracked ZIPs, with a 14.6% poverty rate.
- The typical Montgomery County home is worth about $183,213 against a ~$61,413 median income.
- Lending headwind in Montgomery County sits at 34/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 27341 | 30/100 |
| 2 | 27281 | 27/100 |
| 3 | 28127 | 27/100 |
| 4 | 27209 | 24/100 |
| 5 | 27356 | 23/100 |
| 6 | 27371 | 21/100 |
| 7 | 27229 | 19/100 |
| 8 | 27247 | 19/100 |
| 9 | 27306 | 19/100 |
Most distressed ZIP codes in Montgomery County (composite distress 0-100, 2026)
What is driving Montgomery County distress
Nothing here is estimated: Montgomery County is scored from filings alone, and its ZIPs average 23/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Montgomery County market phase and pricing
Phase for Montgomery County: peak (+2.8% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Montgomery County
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Common questions
What is the most distressed ZIP code in Montgomery County, NC?
ZIP 27341 leads Montgomery County at 30/100, recomputed monthly from public records.
Where is Montgomery County in the housing cycle?
The market phase for Montgomery County is peak, prices rising 2.8% on the year — derived from the FHFA House Price Index path.
Can the Montgomery County figures be verified?
Each Montgomery County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 9 local ZIPs and every other county in the country.
How much do distress scores vary between Montgomery County ZIP codes?
A county average hides the spread. Across the Montgomery County ZIPs DLRadar ranks, scores run from 30/100 in 27341 down to 19/100 in 27306, against a Montgomery County average of 23/100. Because the gap runs to 11 points, Montgomery County rewards ZIP-level precision.
What do Montgomery County home values and vacancy say about distressed supply?
The typical Montgomery County home carries about $183,213 of value against a median household income near $61,413. Vacancy across Montgomery County's tracked ZIPs runs 23.1% and the poverty rate is 14.6%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Montgomery County's filings and its 34/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.